The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$111,586
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,057
−HK$3,526/mo
Today · 4.125%
HK$118,583
baseline
▲ 0.50% · 4.625%
HK$125,799
+HK$7,216/mo
Deposit HK$24.47M · loan HK$24.47M · min. income ≈ HK$237,166/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$2,079,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,138
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,467
−HK$3,378/mo
Today · 4.125%
HK$130,845
baseline
▲ 0.50% · 4.625%
HK$137,742
+HK$6,897/mo
Deposit HK$24.47M · loan HK$24.47M · min. income ≈ HK$261,690/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$2,079,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,903
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$138,068
−HK$4,232/mo
Today · 4.125%
HK$142,300
baseline
▲ 0.50% · 4.625%
HK$150,958
+HK$8,658/mo
Deposit HK$19.57M · loan HK$29.36M · min. income ≈ HK$284,600/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,966
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$152,961
−HK$4,053/mo
Today · 4.125%
HK$157,014
baseline
▲ 0.50% · 4.625%
HK$165,290
+HK$8,276/mo
Deposit HK$19.57M · loan HK$29.36M · min. income ≈ HK$314,028/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,220
−HK$9,796/mo
▼ 0.25% · 3.875%
HK$161,079
−HK$4,937/mo
Today · 4.125%
HK$166,016
baseline
▲ 0.50% · 4.625%
HK$176,118
+HK$10,102/mo
Deposit HK$14.68M · loan HK$34.25M · min. income ≈ HK$332,032/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,793
−HK$9,390/mo
▼ 0.25% · 3.875%
HK$178,454
−HK$4,729/mo
Today · 4.125%
HK$183,183
baseline
▲ 0.50% · 4.625%
HK$192,838
+HK$9,655/mo
Deposit HK$14.68M · loan HK$34.25M · min. income ≈ HK$366,366/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,854
−HK$12,596/mo
▼ 0.25% · 3.875%
HK$207,102
−HK$6,348/mo
Today · 4.125%
HK$213,450
baseline
▲ 0.50% · 4.625%
HK$226,437
+HK$12,987/mo
Deposit HK$4.89M · loan HK$44.04M · min. income ≈ HK$426,900/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,448
−HK$12,072/mo
▼ 0.25% · 3.875%
HK$229,441
−HK$6,079/mo
Today · 4.125%
HK$235,520
baseline
▲ 0.50% · 4.625%
HK$247,935
+HK$12,415/mo
Deposit HK$4.89M · loan HK$44.04M · min. income ≈ HK$471,040/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,762 · Scale 2, in force from 26 Feb 2026)